Why 医疗保险 Should Be Part of Your 退休 Strategy
医疗保险 takes a little time to understand.
As you approach age 65, familiarize yourself with its coverage options, costs, and limitations.
Certain features of 医疗保险 can affect health care costs and coverage.
Some retirees may do okay with original 医疗保险 (Parts A and B), others might find it lacking and decide to supplement original 医疗保险 with Part C, D部分, 或者医疗保险. In some cases, that may mean paying more for health care than you initially figured.
How much do 医疗保险 Part A and Part B cost, and what do they cover?
Part A is usually provided with no charge; Part B is not. Part A is hospital insurance and covers up to 100 days of hospital care, 家庭保健, 养老院护理, 临终关怀. Part B covers doctor visits, outpatient procedures, and lab work. You pay for Part B with monthly premiums.1
It's best to prepare for the copays and deductibles linked to original 医疗保险. 除了, original 医疗保险 does not cover dental, 愿景, 或者听力保健, nor prescription medicines or health care services outside the U.S. It pays for no more than 100 consecutive days of skilled 养老院护理. These out-of-pocket costs may lead you to look for supplemental 医疗保险 coverage as a way of paying for extended care.2,3
Medigap policies help 医疗保险 recipients with some of these copays and deductibles.
私人公司销售, these health care policies can pay a share of certain out-of-pocket medical costs (i.e., costs greater than what original 医疗保险 covers for you). You must have original 医疗保险 coverage in place to purchase one. The Medigap policies being sold today do not offer prescription drug coverage.4
D部分 plans cover some (but certainly, not all) prescription drug expenses.
Monthly premiums are averaging $55.50 this year for these standalone plans, which are offered by private insurers. D部分 plans currently have yearly deductibles of no more than $545.5
Creating a 医疗保险 strategy is integral to your retirement preparation.
Should you try original 医疗保险 for a while? Should you enroll in a Part C HMO with the goal of managing your overall out-of-pocket health care expenses? There is also the matter of eldercare and the potential need for interim coverage if you retire prior to 65. Discuss your concerns about 医疗保险 in your next conversation with your financial professional.
1. 医疗保险.政府,2023
2. 医疗保险.政府,2023
3. 医疗保险.政府,2023
4. 医疗保险.政府,2023
5. NCOA.2023年10月13日
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